You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow rigorous guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no target recompense from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. thus, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your entrust. Our mission is to provide readers with accurate and unbiased information, and we have column standards in position to ensure that happens. Our editors and reporters thoroughly fact-check editorial message to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive direct recompense from our advertisers. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ rhenium putting your interests beginning. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is right for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ re putting your interests inaugural. All of our subject is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, Bankrate has a farseeing cut record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take next. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure.
The average cost of insurance in Mississippi is $492 per year for minimum coverage and $1,782 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. however, this numeral can change dramatically, depending on your age, the mailman you choose and your driving record – among early things. Mississippi has over 2 million accredited drivers, and each one will pay a unlike amount for premiums based on their own personal factors .
How much does car insurance cost in Mississippi?
There are a number of factors considered to determine Mississippi car indemnity rates. not only are old age, city, carrier and coverage options all weighed, but your drive phonograph record, gender, marital condition and credit mark besides influence the price you pay.
Drivers in Mississippi pay an median of $ 492 a year for a minimum coverage policy, and $ 1,782 per year if you opt for full coverage. The average cost of insurance in the United States for a full coverage policy is $ 1,674, which makes Mississippi about six percentage higher. One cause for this overall increase may be due to Mississippi ranking the highest in the country for number of uninsured drivers, according to the Insurance Information Institute, with around 29 % of drivers in Mississippi repel uninsured .
Mississippi car insurance rates by company
The carrier you choose makes a big deviation not only for your coverage options for car indemnity, but besides the rates you pay. To determine the best car policy company for drivers in Mississippi, it is all-important to compare multiple companies, for both rates and features .
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Alfa | $656 | $2,389 |
| Allstate | $715 | $2,607 |
| MetLife | $557 | $2,305 |
| Progressive | $519 | $1,591 |
| Safe Auto | $573 | $2,284 |
| Safeway | $549 | $2,191 |
| Shelter | $665 | $1,939 |
| Southern Farm Bureau | $368 | $1,333 |
| State Farm | $337 | $1,318 |
| USAA | $301 | $1,109 |
Mississippi car insurance rates by city
Where you live in the state has a major affect on the sum you pay for premiums. Bankrate examined the rates among the Top 20 cities based on population, and found increases a high as 11 %. On the other hand, some cities were up to 12 % less for premiums, just based on location .
| City | Average annual premium for full coverage | % increase from state average annual premium |
|---|---|---|
| Jackson | $1,976 | 11% |
| Gulfport | $1,855 | 4% |
| Brandon | $1,791 | 1% |
| Meridian | $1,712 | -4% |
| Hattiesburg | $1,713 | -4% |
| Biloxi | $1,835 | 3% |
| Southaven | $1,795 | 1% |
| Columbus | $1,673 | -6% |
| Vicksburg | $1,816 | 2% |
| Olive Branch | $1,792 | 1% |
| Tupelo | $1,649 | -7% |
| Laurel | $1,656 | -7% |
| Greenville | $1,779 | 0% |
| Starkville | $1,567 | -12% |
| Oxford | $1,682 | -6% |
| Pearl | $1,831 | 3% |
| Madison | $1,766 | -1% |
| Natchez | $1,927 | 8% |
| Lucedale | $1,729 | -3% |
| Horn Lake | $1,819 | 2% |
Mississippi car insurance rates by age
Age is a major component when it comes to the median cost of car policy in Mississippi. not surprisingly, younger drivers pay the most, specifically around historic period 18, when they have probably started coming off a parent ’ south policy. *16-year-old calculated on rear ’ mho policy disclosure ; 18- and 20-year-old are renters
Mississippi car insurance rates by driving record
You can expect your cable car indemnity rates in Mississippi to increase if you have a blemish on your record, such as a ticket, accident or DUI. Of the three, an accident was found to cause the highest increase in premiums .
| Driving incident | Average annual full coverage premium in Mississippi | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $2,065 | 16% |
| Accident | $2,477 | 39% |
| DUI | $2,734 | 35% |
How to save on car insurance in Mississippi
While car policy rates in Mississippi may be higher than what early drivers pay across the country, it is still possible to save on premiums with discounts. Drivers may find a decrease in premiums by taking advantage of discounts, such as :
- Safe driver: Ask the carrier if it offers a telematics program, where your driving habits are monitored via bluetooth or a device. If your driving meets certain standards, you may be eligible for additional discounts.
- Multi-policy: If you purchase a homeowners or renters insurance policy from a carrier, ask about the discount to bundle your auto insurance too, since this is a significant way to save on your policy.
- Claims-free: The longer you go without making a claim on your policy then you may qualify for a claims-free discount from the carrier.
- Military: Almost all carriers offer discounts to members of the military or veterans, whether active or retired, or as a member of the National Guard or Reserves.
Frequently asked questions
How much car insurance do I need?
In addition to meeting state minimum requirements, adding extra coverage to your policy will help limit your out of pocket costs for liability, place and vehicle price. indemnity experts recommend you purchase the maximal sum of coverage you can afford, which may include optional coverages such as collision, comprehensive, medical payments and uninsured motorist .
Can I switch auto insurance at any time?
Yes, you can purchase an car policy policy at any time with a fresh carrier, and you do not have to wait until your policy is up for refilling. however, one authoritative detail to keep in mind is you do not want to cancel your previous policy until your raw one is officially in place. This prevents a miss of coverage while you are switching and ensures you are covered while out on the road .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a houseclean drive commemorate, good credit and the watch full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each country ’ s requirements. Our establish visibility drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( base : 40 years ) applied. Depending on age, drivers may be a tenant or homeowner.
Incident: Rates were calculated by evaluating our base profile with the play along incidents applied : houseclean record ( base ), at-fault accident, single speed ticket, individual DUI conviction and relapse in coverage.